5 Mistakes Homeowners Make When Filing a Hurricane Claim

As hurricane season approaches, homeowners in vulnerable areas need to prepare thoroughly to protect their property and ensure they can recover quickly after a hurricane. One of the key aspects of hurricane preparation is understanding the most common mistakes homeowners face when filing insurance claims. Below are five mistakes you should avoid to ensure you receive the compensation you deserve after a hurricane.

  1. Discarding damaged items without documenting them

In the chaos that follows a hurricane, homeowners understandably want to clean up and restore order as quickly as possible. However, one of the biggest mistakes you can make is getting rid of damaged items without documenting them first. Insurance companies require proof of damage in order to process your claim. Before you get rid of anything, take detailed photos and videos of all items and damaged areas of your home. This documentation will be critical to proving your losses and ensuring you receive adequate compensation.

  1. Expect the insurance company to fully compensate your loss

Many homeowners take for granted that their insurance will cover all of their losses after a hurricane. Unfortunately, this is often not the case. Insurance policies often have limits and exclusions that can significantly impact the amount you receive. It’s critical to understand the details of your policy, including deductibles, coverage limits, and excluded items. Knowing these details before a disaster strikes can help you manage your expectations and financially prepare for any gaps in coverage.

  1. Rely on memory to know what they have

After a hurricane, the task of remembering all of the items you owned can be overwhelming, especially when stress and emotions are running high. Relying on your memory to list all of your belongings is a recipe for forgetting items and making inappropriate claims. It’s critical to create a detailed inventory of your home before a hurricane hits. This inventory should include photos, descriptions, and values ​​of all of your belongings. Services like My Property Vault offer comprehensive home inventory solutions that can help you thoroughly document everything, giving you a reliable record should you need to file a claim.

  1. Missing receipts or appraisals for items valued over $500

For items worth more than $500, a lack of proper receipts or appraisals can lead to disputes with your insurance company and reduced compensation. High-value items such as electronics, jewelry, and artwork should be appraised periodically and receipts kept securely. If you don’t have proof of ownership and value, insurers may not cover the full replacement cost. Making sure you have up-to-date appraisals and retaining receipts can make the claims process easier and help you recover the full value of your lost or damaged items.

  1. Not knowing what your insurance policy covers or does not cover

One of the biggest mistakes homeowners make is not fully understanding their insurance policy. Every policy has specific terms, conditions, and exclusions that dictate what is and isn’t covered. Before hurricane season, review your policy carefully. Pay attention to coverage limits, deductibles, and exclusions related to natural disasters. Knowing exactly what your policy includes can prevent unpleasant surprises and allow you to take additional steps, such as purchasing additional coverage if necessary, to fully protect your assets.


Proper preparation and knowledge are critical to effectively managing the insurance claim process after a hurricane. Avoiding these common mistakes can make a significant difference in the compensation you receive and your overall recovery experience. By thoroughly documenting your property, understanding your insurance policy, and keeping proper records, you can ensure you are well prepared to deal with the aftermath of a hurricane and protect your financial well-being. If you need professional help creating a complete inventory of your home, consider services like My Property Vault to help protect your assets and streamline the claim process.

For more information or to schedule service, please visit www.mypropertyvault.com or call 888-VAULT-00 (888-828-5800).

Prepare now to protect your future.


Keith Kravitz, Managing Partner of MPV

My Property Vault was founded by experienced insurance adjusters who have documented thousands of homes for insurance claim purposes. They offer a full-service approach to providing a professional home inventory by visiting the home and documenting the interior and exterior of the home as well as all contents and then determining the value of the items so it can be used for insurance needs, estate planning, and marital or divorce planning. Keith Kravitz is a 40-year resident of South Florida and his partners Todd Caplin and Clark Galen are Florida natives born and raised in Miami. They take pride in their community and giving back.


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